specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Tamara
providerId: tamara
created: '2026-05-24'
modified: '2026-05-24'
reconciled: false
tags:
- Fintech
- BNPL
- Payments
- Shariah Compliant
- MENA
- Plans
description: |
  Commercial profile for Tamara's merchant offering. Tamara does not publish standardised
  MDR (Merchant Discount Rate) percentages — pricing is negotiated per merchant and depends
  on market (SA, AE, BH, KW, OM), volume, vertical, and which instalment options the
  merchant enables. The merchant receives the full transaction amount upfront, minus the
  per-transaction commission, settled on Tamara's standard weekly cycle.
notes: |
  Plans below capture the publicly observable commercial structure (merchant onboarding
  is free, no setup or monthly fee, per-transaction commission deducted at settlement).
  Specific percentages should be reconciled against a signed merchant agreement.
sources:
- https://tamara.co/en-sa/partners
- https://support.tamara.co/en-US/articles/7DUylqFLPIvhXpo4FmrgNX
- https://docs.tamara.co/docs/pp-settlement-invoices
- https://docs.tamara.co/docs/pp-settle-invoice-understand-settlements
plans:
- id: tamara-merchant
  name: Tamara Merchant
  type: usage
  description: |
    Standard Tamara merchant relationship — free onboarding, free Partners Portal access,
    free API/SDK/plugin usage. Tamara takes a per-transaction commission (MDR) negotiated
    with the merchant; merchant receives full purchase amount upfront minus that commission.
  entries:
  - label: Merchant Onboarding
    name: onboarding
    type: flat
    metric: account
    limit: -1
    timeFrame: usage
    geo: SA|AE|BH|KW|OM
    unit: 1
    price: 0
    userMultiplied: false
  - label: Monthly Subscription
    name: monthly_subscription
    type: flat
    metric: month
    limit: -1
    timeFrame: month
    geo: SA|AE|BH|KW|OM
    unit: 1
    price: 0
    userMultiplied: false
  - label: API and SDK Access
    name: api_sdk_access
    type: flat
    metric: requests
    limit: -1
    timeFrame: usage
    geo: SA|AE|BH|KW|OM
    unit: 1
    price: 0
    userMultiplied: false
  - label: Per-Transaction Commission (MDR)
    name: per_transaction_commission
    type: percentage
    metric: transaction_value
    limit: -1
    timeFrame: usage
    geo: SA|AE|BH|KW|OM
    unit: 1
    price: see merchant agreement (negotiated; not publicly published)
    userMultiplied: false
  elements:
  - name: Pay Later (Instalments)
  - name: Pay Now
  - name: Hosted Checkout
  - name: In-Store SMS and QR
  - name: Webhooks
  - name: Disputes Dashboard
  - name: Weekly Settlement
- id: tamara-channel-partner
  name: Tamara Channel Partner
  type: enterprise
  description: |
    Programmatic merchant-onboarding relationship for PSPs, platforms, and aggregators
    using the Channel Partners API on partner-api.tamara.co. Commercial terms are
    negotiated; not publicly listed.
  entries:
  - label: Channel Partner Access
    name: channel_partner_access
    type: flat
    metric: account
    limit: -1
    timeFrame: usage
    geo: SA|AE|BH|KW|OM
    unit: 1
    price: contact Tamara partnerships
    userMultiplied: false
  elements:
  - name: Programmatic Merchant Onboarding
  - name: Merchant API Key Retrieval
  - name: Onboarding-Status Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com